National Survey on Consumer Experiences With and Attitudes Toward Health Plans

Transcription

1 Chartpack The Kaiser Family Foundation/Harvard School of Public Health National Survey on Consumer Experiences With and Attitudes Toward Health Plans August 2001

2 Section I: Experiences With Health Plans (among privately insured adults ages 18 to 64)

3 Chart 1 About Half of Insured Adults Report Some Kind of Problem With Their Health Plan Over the Past Year (among privately insured adults ages 18 to 64) Percent of insured adults under age 65 who... Did not report a problem with their health plan 52% 48% Type of Problem that Occurred Most Recently 13% Delays or denials of coverage or care 13% Billing or payment problems Reported a problem with their health plan 10% Difficulty seeing a physician 8% Communication or customer service problems 4% Problem type unspecified

4 Chart 2 How much effect, if any, did the problem have in terms of (among privately insured adults ages 18 to 64) Did it have a major effect, a minor effect, or no effect at all in? Yes, problem major effect Yes, problem minor effect Yes, problem no effect at all No problems Increasing the amount of stress you felt 16% 19% 12% 52% Making you pay more for health care than you should have 13% 11% 23% 52% Making you lose time at work, school, or other important life activities 10% 11% 26% 52% Delaying or preventing you from getting health services or medical treatment you needed 7% 12% 28% 52% Bringing about a decline in your health 4% 10% 33% 52% Note: Don t know not shown

5 Chart 3 Worry About Health Plans (among privately insured adults ages 18 to 64) Percent who say they are worried that If [they] become sick their health plan will be more concerned about saving money than providing the best treatment Very worried 24% 32% Somewhat worried Don t know/ refused 1% Not at all worried 18% 25% Not too worried

6 Chart 4 Worry about Health Plan, by Type of Plan (among privately insured adults ages 18 to 64) Percent by type of health plan, who say they are worried that If [they] become sick their health plan will be more concerned about saving money than providing the best treatment Very Worried Somewhat Worried Not Too Worried Not at All Worried Total for Managed Care 25% 34% 25% 16% Strict Managed Care 31% 36% 21% 11% Loose Managed Care 21% 32% 28% 19%

7 Chart 5 Contact With Health Plans Is a Common and Generally Positive Experience (among privately insured adults ages 18 to 64) Percent who in the past year contacted their health plan... Of those who contacted their plan, the percent who say their recent experiences in dealing with their health plan have been... For any reason 76% To file a claim 56% Very positive 34% To get information about covered benefits To sign up with a particular doctor For some other reason 37% 23% 29% Don t know/ refused/mixed 2% Very 5% negative 13% Somewhat negative 46% Somewhat positive

8 Chart 6 Making the Grade (among privately insured adults ages 18 to 64) Percent of each group who give their health plan a grade of... A or B 62% C, D or F 37% Note: Don t know not shown

9 Chart 7 Grades Vary (among privately insured adults ages 18 to 64) Percent of each group who give their health plan a grade of... A or B C, D or F Traditional Insurance Loose managed care Strict managed care 23% 74% 36% 63% 58% 41% People reporting problem People not reporting problem 50% 74% 49% 24% Note: Don t know not shown

10 Section II: Attitudes Towards Health Plans

11 Chart 8 Impact of Managed Care During the past few years, HMOs and other managed care plans have DECREASED time doctors spend with patients 61% 64% 61% 67% Made it HARDER for sick to see specialists 59% 62% 63% 59% NOT made much difference to health care costs 55% 59% 55% 59% DECREASED quality of health care for sick 51% 50% 50% 54% Made it EASIER to get preventive services such as immunizations and health screenings 46% Sept % Aug % April % Aug Source: Kaiser Family Foundation / Harvard School of Public Health National Survey on Managed Care, November 1997; Kaiser Family Foundation / Harvard School of Public Health National Survey on Medicare, October 1998; Kaiser Family Foundation / Harvard School of Public Health Health News Index, March - April 2000; Kaiser Family Foundation/Harvard School of Public Health National Survey on Consumer Experiences With and Attitudes Toward Health Plans, August 2001 (conducted July-August 2001).

12 Chart 9 Image of Industries and Groups For each one please tell me if each of the following generally do a good job or a bad job of serving their consumers... Oil companies Bad Job 52% Good Job 29% Mixed/neither good nor bad job 8% HMOs, or Health Maintenance Organizations 46% 30% 11% Health insurance companies 43% 38% 14% Managed care health plans 39% 32% 11% Pharmaceutical companies 33% 52% 11% Lawyers 29% 45% 15% Banks 19% 68% 9% Hospitals 17% 67% 14% Doctors 11% 75% 13% U.S. Postal Service 10% 83% 6% Note: Don t know not shown Nurses 4% 89% 6% Source: Kaiser Family Foundation/Harvard School of Public Health National Survey on Consumer Experiences with and Attitudes Towards Health Plans, August 2001 (conducted July-August 2001); Kaiser Family Foundation/Harvard School of Public Health National Survey on Consumer Experiences With and Attitudes

13 80% Chart 10 Changing Views of Managed Care Plans In general, do you think managed care health plans are doing a good job or a bad job in serving health care consumers? 60% 40% 34% 36% 39% 39% Bad Job 20% 21% 30% 24% 32% Good Job 13% 18% 16% 11% Mixed/Neither good nor bad 0% Sept Oct April 2000 August 2001 Note: Don t know not shown Source: Kaiser Family Foundation / Harvard School of Public Health National Survey on Managed Care, November 1997; Kaiser Family Foundation / Harvard School of Public Health National Survey on Medicare, October 1998; Kaiser Family Foundation / Harvard School of Public Health Health News Index, March - April 2000; Kaiser Family Foundation/Harvard School of Public Health National Survey on Consumer Experiences With and Attitudes

14 Section III: Patients Bill of Rights

15 Chart 11 Ranking Health Care Priorities Do you think this issue is very important for the President and the Congress to deal with, somewhat important, not too important, or not at all important? Very Important You said the following issues were very important. Which ONE of these would you say is the MOST important health care issue? Most Important 85% Making health care more affordable 30% Making prescription drugs more affordable for people age 65 and over 84% 15% Making Medicare more financially sound for future generations 80% 13% Protecting patients' rights in HMOs and managed care plans Helping families with the cost of caring for elderly or disabled family members who need long-term help Increasing the number of Americans covered by health insurance 75% 73% 72% 7% 13% 13%

16 Chart 12 Opinion on a Comprehensive Patients Bill of Rights A law, called the Patients Bill of Rights, has been proposed that would require HMOs, other managed care plans, and health insurance companies to provide people with more information about their health plan, make it easier for people to see medical specialists, allow appeals to independent reviewers when someone is denied coverage for a particular medical treatment, and give people the right to sue their health plans. Do you favor or oppose such a law? 100% 80% 78% 74% 80% 81% FAVOR 60% 40% 20% 0% 18% 12% 12% Sept April % Feb August 2001 OPPOSE Note: Don t know not shown Source: Kaiser Family Foundation / Harvard School of Public Health National Survey on Managed Care, November 1997; Kaiser Family Foundation / Harvard School of Public Health National Survey on Medicare, October 1998; Kaiser Family Foundation / Harvard School of Public Health Health News Index, March - April 2000; Kaiser Family Foundation/Harvard School of Public Health National Survey on Consumer Experiences With and Attitudes

17 Chart 13 If the Patients Bill of Rights were enacted, what effect- if any- do you think it would have on health insurance premiums for people like you? Do you think it would lead to health insurance premiums Don t know/ refused (Among the 60% who think premiums will go up) Do you think having a Patients Bill of Rights would be worth the increased cost of health insurance premiums, or NOT worth the increase? Would not be much affected 27% 7% 60% Going up 50% Would be worth it 6% 37% Would not be worth it Going down 13% Don t know/refused

18 Chart 14 If this Patients Bill of Rights were enacted, do you think people like you would be better off, worse off, or not affected much either way? Better off 46% 40% Not much affected Don t know/ refused 6% 8% Worse off

19 Chart 15 Criticisms Register Favor Oppose Don t know Do you favor or oppose Patients Bill of Rights? 81% 12% 7% Would you still favor if? you heard it would increase the cost of health insurance premiums usually shared by employers and workers by about 20 dollars per month for a typical family that is, a little over 200* dollars per year? Still favor 58% Oppose initially and switch to oppose 31% Don t know 11% it meant that some companies might stop offering health care plans to their workers because the employers are afraid they might be sued along with the health plan? 34% 53% 13% *Possible premium increases are based on estimates prepared by the Congressional Budget Office (CBO) for Senate bill 872, cited in an April 23, 2001 letter from CBO Director Daniel L. Crippen to Senator Don Nickles, and an average family premium of $529 per month from the 2000 Kaiser/HRET Employer Health Benefits Survey.

20 Chart 16 If the Patients Bill of Rights were enacted Do you think it would make employers more likely to STOP offering health insurance for their workers, or not? No, would not be more likely 19% A lot more likely 46% 42% Yes, would be more likely to stop offering insurance 22% Only a little more likely 12% Don t know/ refused 1% Don t know how much more likely

21 Chart 17 How important is it to you that this law includes the right to sue a health plan? Very important 38% 31% Somewhat important Don t know/ refused 8% Oppose Patients Bill of Rights 12% 3% 8% Not too important Not at all important

22 Chart 18 A Real Patients Bill of Rights, Or Not? If a proposal for a Patients Bill of Rights did not include the right to sue your health plan, would you still consider it a real Patients Bill of Rights, or not? Yes, would be real Patients Bill of Rights 43% 50% No, would not be real Patients Bill of Rights 7% Don t know/ refused

23 Chart 19 Right to Sue Specifics Suppose the Patients Bill of Rights is enacted and includes the right to sue a health plan. Which ONE of the following two statements comes CLOSER to your own view of what patients should be allowed to do? Patients should be allowed to sue for economic losses, get a LIMITED amount of money for pain and suffering, BUT NOT get additional money to punish health plans, because this would drive up the cost of people s health insurance premiums too much. 80% 16% Don t know/ refused 1% 3% Patients should be allowed to sue their health plans for unlimited amounts of money to compensate them for their economic losses and pain and suffering, AND get additional money as a way of punishing health plans and discouraging bad conduct in the future. Patients shouldn t have ANY rights to sue health plans (VOL.)

24 Chart 20 Awareness of Details of Patients Bill of Rights Debate As you may know, President Bush and most Democrats in Congress have endorsed different versions of a Patients Bill of Rights. Both versions include the right to sue your health plan. Do you think these two proposals? Don t know enough about this particular issue 80% 13% Take fundamentally different approaches to the right to sue 7% Are very similar in how they deal with the right to sue, with only minor differences in the details

25 Methodology The Kaiser Family Foundation/Harvard School of Public Health National Survey on Consumer Experiences With and Attitudes Toward Health Plans was designed and analyzed by researchers at the Kaiser Family Foundation and Harvard School of Public Health. The Kaiser/Harvard survey research team was led by Dr. Mollyann Brodie, Vice President of the Kaiser Family Foundation and Professor Robert Blendon of the Harvard School of Public Health. Fieldwork was conducted by telephone by Princeton Survey Research Associates between July 2 and August 8, The survey included a nationally representative random sample of 1,205 adults age 18 and over. The margin of sampling error for the total sample is plus or minus 3 percentage points. For the 721 respondents ages 18 to 64 with private health insurance, the margin of sampling error is plus or minus 4 percentage points. The margin of sampling error may be higher for some of the other sub-groups noted in the analysis. Because many people are unsure of - or don t know -- what kind of health insurance they have, respondents were asked a series of questions about their health plan to establish what type of coverage they actually have. They were asked if they were required to do any of the following by their plan: choose doctors from a list and pay more for doctors not on the list; select a primary care doctor or medical group; and/or obtain a referral before seeing a medical specialist or a doctor outside the plan. Respondents were listed as being in strict managed care if they reported their plans had all of these characteristics; listed as being in loose managed care if they had some but not all; and were listed as having traditional health insurance if they reported their plans had none of these characteristics. The Kaiser Family Foundation is an independent, national health philanthropy dedicated to providing information and analysis on health issues to policymakers, the media, and the general public. The Foundation is not associated with Kaiser Permanente or Kaiser Industries.

26 The Henry J. Kaiser Family Foundation 2400 Sand Hill Road Menlo Park, CA Phone: Fax: Washington Office: 1450 G Street NW, Suite 250 Washington, DC Phone: Fax: Additional free copies of this publication (#3172) are available on the Foundation s web site at or by calling the Kaiser Family Foundation s Publication Request Line at